<div class="comparetable"><div class="div-block-440"><div id="pricing"class="tablerow is-header"><div class="column1 is-header"><img loading="lazy"src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f8c44be5e84b3fa1ec188e_pricing.svg"alt=""><div class="comparecategorytitle">Pricing</div></div><div class="column2 is-header"><div class="stack"><p class="rich-text_table is-header">$</p><p class="rich-text_table is-header big-text">0</p></div><div class="table_icon-text_content"><img loading="lazy"src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg"alt="Decorative"class="icon-1rem align-top"><p class="rich-text_table is-header">Completely free. Always.<a href="https://www.zeffy.com/home/free-online-fundraising-platform"target="_blank"class="rich-text_table is-header">But how? →</a></p></div></div><div class="column3 is-header"><div id="pricing-header"class="rich-text_table is-header"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/614b8c46183dbb5cb4f4c787/68fa33fd658c1e061f792993_68f88305e139b495704e4273_Close.svg"alt=""><p>5% platform cut + card fees per gift</p></div></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Processing fees</div></div><div class="column2 is-compare is-green"><div class="stack"><p class="rich-text_table">$</p><p class="rich-text_table big-text">0</p></div><div class="table_icon-text-content"><img loading="lazy"src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg"alt="Decorative"class="icon-1rem align-top"><p class="table_text">$0 in credit card and transaction fees. Zeffy covers these.<a href="https://www.zeffy.com/home/free-online-fundraising-platform"target="_blank"class="table_text">How? →</a></p></div></div><div class="column3 is-compare"><div id="processingfees"class="rich-text_table w-richtext"><p class="rich-text_table big-text">2.9% + $0.30</p><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/614b8c46183dbb5cb4f4c787/68fa33fd658c1e061f792993_68f88305e139b495704e4273_Close.svg"alt=""><p class="table_text">per transaction (credit card processing)</p></div></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Platform fees</div></div><div class="column2 is-compare is-green"><div class="stack"><p class="rich-text_table">$</p><p class="rich-text_table big-text">0</p></div><div class="table_icon-text-content"><img loading="lazy"src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg"alt="Decorative"class="icon-1rem align-top"><p class="table_text">Zeffy never takes a cut. Unlike platforms that skim 3–5%, you keep 100% of every donation.</p></div></div><div class="column3 is-compare"><div id="platformfees"class="rich-text_table w-richtext"><p class="rich-text_table big-text">5%</p><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/614b8c46183dbb5cb4f4c787/68fa33fd658c1e061f792993_68f88305e139b495704e4273_Close.svg"alt=""><p class="table_text">platform fee on all donations</p></div></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Monthly fees</div></div><div class="column2 is-compare is-green"><div class="stack"><p class="rich-text_table">$</p><p class="rich-text_table big-text">0/month</p></div><div class="table_icon-text-content"><img loading="lazy"src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg"alt="Decorative"class="icon-1rem align-top"><p class="table_text">No subscriptions, no paywalls. Every org, big or small, gets full access for free.</p></div></div><div class="column3 is-compare"><p class="rich-text_table big-text">$0</p><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg"alt=""><p class="table_text">No monthly fee</p></div></div></div><div class="tablerow endrow"><div class="column1 is-compare"><div class="left-column_text">Value for money</div></div><div class="column2 is-compare is-green"><div class="stack"><p class="rich-text_table big-text">5/5</p></div><div class="table_icon-text-content"><img loading="lazy"src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg"alt="Decorative"class="icon-1rem align-top"><p class="table_text">450+ reviews on Capterra. All-in-one fundraising, zero fees, unbeatable value.</p></div></div><div class="column3 is-compare"><div id="valueformoney"class="rich-text_table w-richtext"><p class="rich-text_table big-text">N/A</p></div></div></div></div></div>

<div class="comparetable"><div class="div-block-440"><div id="features"class="tablerow is-header"><div class="column1 is-header"><img loading="lazy"src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f8d5b26894c6e329782874_Features.svg"alt=""><div class="comparecategorytitle">Features</div></div><div class="column2 is-header"><div class="stack"><p class="rich-text_table is-header big-text">5/5</p></div><div class="table_icon-text-content"><img loading="lazy"src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/688244e8c87679558de97ca0_check.svg"alt="Decorative"class="icon-1rem align-top"><p class="rich-text_table is-header">No training needed. Built for busy nonprofit teams, not tech pros. Launch a campaign in under 30 minutes.</p></div></div><div class="column3 is-header"><div class="stack"><p class="rich-text_table is-header big-text">3/5</p></div><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f88305e139b495704e4273_Close.svg"alt="Decorative"class="icon-1rem align-top"><p class="rich-text_table is-header">Multiple tools in one platform, but setup takes time and training to use effectively</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Donations</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""><p class="table_text">Donations without the cut. Custom forms, tax receipts, donor tracking — all fee-free.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""><p class="table_text">Yes - Accepts one-time and recurring donations with customizable forms and donor management tools</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Ticketing</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""><p class="table_text">Sell tickets, check in guests, track sales — and keep 100%. No fees. No fine print.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""><p class="table_text">Yes - Event ticketing with registration management and check-in capabilities for fundraising events</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Peer-to-Peer Fundraising</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""><p class="table_text">Teams or individuals launch fundraising pages in minutes. Track progress, keep 100%. No fees.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""><p class="table_text">Yes - Peer-to-peer fundraising campaigns where supporters create personal fundraising pages for your cause</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Auctions</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""><p class="table_text">Run auctions without giving up a percentage. List items, track bids, collect payments — all fee-free.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""><p class="table_text">Yes - Online auction platform for silent and live auctions with bidding management and payment processing</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Raffles</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""><p class="table_text">Host online raffles and 50/50s. Track sales, set ticket limits, stay compliant — all without paying a cent.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""><p class="table_text">Yes - Digital raffle management with ticket sales, winner selection, and prize distribution tracking</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Online Store</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""><p class="table_text">Skip the tool sprawl. Sell merch and manage your store in one place — no fees, no add-ons.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""><p class="table_text">Yes - Merchandise sales platform with inventory management and order fulfillment for nonprofit products</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Memberships</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""><p class="table_text">Automate memberships with no per-member fees. Dues go straight to your org — perfect for clubs, alumni, and supporters.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f88305e139b495704e4273_Close.svg"alt=""><p class="table_text">Givestar offers basic membership management with recurring donation setup and member communication tools, but lacks advanced membership tier customization and automated renewal features that many nonprofits need for growing their supporter base.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Donor management/CRM</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""><p class="table_text">Ditch the expensive CRM. Track donations, send thank-yous, and build donor loyalty — all fee-free.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f88305e139b495704e4273_Close.svg"alt=""><p class="table_text">Givestar provides donor tracking and basic contact management features, but offers limited segmentation capabilities and lacks the detailed donor journey mapping that helps nonprofits build stronger relationships.</p></div></div></div><div class="tablerow is-white"><div class="column1 is-compare"><div class="left-column_text">Emails & Newsletter</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""><p class="table_text">Manage contacts and send newsletters from the same place you fundraise. Unlimited sends, no fees.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f88305e139b495704e4273_Close.svg"alt=""><p class="table_text">Givestar includes email functionality for donor communication and campaign updates, but has restricted template options and limited automation features compared to dedicated email marketing solutions.</p></div></div></div><div class="tablerow endrow"><div class="column1 is-compare"><div class="left-column_text">Payment Processing</div></div><div class="column2 is-compare is-green"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""><p class="table_text">Accept donations, ticket sales, and payments — all 100% fee-free. No cuts, no hidden fees, ever.</p></div></div><div class="column3 is-compare"><div class="table_icon-text-content"><img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f88305e139b495704e4273_Close.svg"alt=""><p class="table_text">Givestar processes payments through third-party integrations with standard transaction fees, requiring nonprofits to pay processing costs that reduce the funds available for their mission and programs.</p></div></div></div></div></div>

<div class="comparetable"> <div class="div-block-440"> <!-- HEADER ROW --> <div class="tablerow is-header"> <div class="column1 is-header"> <img loading="lazy"src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f8de3026f5d3875f3329a3_BigIcons.svg"alt=""> <div class="comparecategorytitle">Payment methods</div> </div> <div class="column2 is-header"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""> <p class="rich-text_table is-header">All the ways donors want to give: cards, mobile wallets, and bank transfers — all 100% fee-free.</p> </div> </div> <div class="column3 is-header"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/614b8c46183dbb5cb4f4c787/68fa33fd658c1e061f792993_68f88305e139b495704e4273_Close.svg"alt=""> <p class="rich-text_table is-header">Credit cards and digital wallets only. Missing bank transfers and in-person payment options.</p> </div> </div> </div> <!-- CREDIT CARD --> <div class="tablerow is-white"> <div class="column1 is-compare"> <div class="left-column_text">Credit Card Payments</div> </div> <div class="column2 is-compare is-green"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""> <p class="table_text">Accept all major credit cards with zero processing fees. Zeffy covers the cost — you keep 100% of every donation.</p></div> </div> <div class="column3 is-compare"> <div class="table_icon-text-content"> <img src=" https://cdn.prod.website-files.com/614b8c46183dbb5cb4f4c787/68fa33fd658c1e061f792993_68f88305e139b495704e4273_Close.svg"alt=""> <p class="table_text">Givestar accepts all major credit cards (Visa, Mastercard, American Express, Discover) for online donations through their secure payment processing system with competitive transaction rates.</p> </div> </div> </div> <!-- APPLE PAY & GOOGLE PAY --> <div class="tablerow is-white"> <div class="column1 is-compare"> <div class="left-column_text">Apple Pay & Google Pay</div> </div> <div class="column2 is-compare is-green"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""> <p class="table_text">One-tap donations and tickets with Apple Pay & Google Pay. No fees, just smooth mobile checkouts.</p></div> </div> <div class="column3 is-compare"> <div class="table_icon-text-content"> <img src=" https://cdn.prod.website-files.com/614b8c46183dbb5cb4f4c787/68fa33fd658c1e061f792993_68f88305e139b495704e4273_Close.svg"alt=""> <p class="table_text">Givestar integrates Apple Pay and Google Pay for mobile-optimized donation experiences, enabling one-tap giving for donors using iOS and Android devices.</p> </div> </div> </div> <!-- ACH / BANK TRANSFERS --> <div class="tablerow is-white"> <div class="column1 is-compare"> <div class="left-column_text">ACH / Bank Transfers</div> </div> <div class="column2 is-compare is-green"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""> <p class="table_text">Accept bank transfers with zero fees. Full donation amounts go straight to your mission.</p></div> </div> <div class="column3 is-compare"> <div class="table_icon-text-content"> <img src=" https://cdn.prod.website-files.com/614b8c46183dbb5cb4f4c787/68fa33fd658c1e061f792993_68f88305e139b495704e4273_Close.svg"alt=""> <p class="table_text">Givestar supports ACH bank transfers for recurring donations and one-time gifts, allowing donors to give directly from their bank accounts with lower processing fees than credit cards.</p> </div> </div> </div> <!-- TAP TO PAY (END ROW) --> <div class="tablerow endrow"> <div class="column1 is-compare"> <div class="left-column_text">Tap to Pay App</div> </div> <div class="column2 is-compare is-green"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""> <p class="table_text">Anyone on your team can take payments from their phone. No card reader, no fees, no friction.</p></div> </div> <div class="column3 is-compare"> <div class="table_icon-text-content"> <img src=" https://cdn.prod.website-files.com/614b8c46183dbb5cb4f4c787/68fa33fd658c1e061f792993_68f88305e139b495704e4273_Close.svg"alt=""> <p class="table_text">Givestar offers point-of-sale solutions and mobile card readers for in-person fundraising events, allowing nonprofits to accept donations at galas, walks, and other live events.</p> </div> </div> </div> </div></div>

<div class="comparetable"> <div class="div-block-440"> <!-- HEADER ROW --><div class="tablerow is-header"> <div class="column1 is-header"> <img loading="lazy"src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/68f8df20d98a80f025f7cb0f_BigIcons.svg"alt=""> <div class="comparecategorytitle">Customer Support</div> </div> <div class="column2 is-header"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""> <p class="rich-text_table is-header big-text">4.9/5</p> </div> </div> <div class="column3 is-header"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/614b8c46183dbb5cb4f4c787/68fa33fd658c1e061f792993_68f88305e139b495704e4273_Close.svg"alt=""> <p class="rich-text_table is-header big-text">N/A</p> </div> </div></div> <!-- UNLIMITED SUPPORT --> <div class="tablerow is-white"> <div class="column1 is-compare"> <div class="left-column_text">Unlimited Support</div> </div> <div class="column2 is-compare is-green"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""> <p class="table_text">Free, unlimited support for every nonprofit. No hidden tiers. No upsells.</p></div> </div> <div class="column3 is-compare"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/614b8c46183dbb5cb4f4c787/68fa33fd658c1e061f792993_68f88305e139b495704e4273_Close.svg"alt=""> <p class="table_text">Limited to business hours only</p> </div> </div> </div> <!-- PHONE SUPPORT --> <div class="tablerow is-white"> <div class="column1 is-compare"> <div class="left-column_text">Phone Support / Office Hours</div> </div> <div class="column2 is-compare is-green"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""> <p class="table_text">Book a real call or video session — no endless hold music.</p></div> </div> <div class="column3 is-compare"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""> <p class="table_text">Available during standard business hours</p> </div> </div> </div> <!-- WEBINARS --> <div class="tablerow is-white"> <div class="column1 is-compare"> <div class="left-column_text">Webinars</div> </div> <div class="column2 is-compare is-green"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""> <p class="table_text">Weekly live trainings and topic-based webinars. Practical campaigns, donor tips, and workflows — not just demos.</p></div> </div> <div class="column3 is-compare"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/614b8c46183dbb5cb4f4c787/68fa33fd658c1e061f792993_68f88305e139b495704e4273_Close.svg"alt=""> <p class="table_text">Not offered</p> </div> </div> </div> <!-- HELP CENTER --> <div class="tablerow is-white"> <div class="column1 is-compare"> <div class="left-column_text">Help Center</div> </div> <div class="column2 is-compare is-green"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""> <p class="table_text">Clear step-by-step guides, FAQs, and videos built for nonprofits. Simple, jargon-free.</p></div> </div> <div class="column3 is-compare"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""> <p class="table_text">Comprehensive help center with step-by-step guides, FAQs, and video tutorials</p> </div> </div> </div> <!-- EMAIL --> <div class="tablerow is-white"> <div class="column1 is-compare"> <div class="left-column_text">Email</div> </div> <div class="column2 is-compare is-green"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""> <p class="table_text">Reach out anytime — if AI can’t help, our support team jumps in within 2–6 business hours.</p></div> </div> <div class="column3 is-compare"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""> <p class="table_text">Available during business hours</p> </div> </div> </div> <!-- NONPROFIT SUPPORT (END ROW) --> <div class="tablerow endrow"> <div class="column1 is-compare"> <div class="left-column_text">Nonprofit-Focused Support Team</div> </div> <div class="column2 is-compare is-green"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/60af7f6d21134db12548f5b9/686433f81dd99f7d4de5259b_Check.svg"alt=""> <p class="table_text">You’ll talk to nonprofit experts, not generic tech support. Our team responds in 2–6 business hours (and nonprofits rate us 9.3/10).</p></div> </div> <div class="column3 is-compare"> <div class="table_icon-text-content"> <img src="https://cdn.prod.website-files.com/614b8c46183dbb5cb4f4c787/68fa33fd658c1e061f792993_68f88305e139b495704e4273_Close.svg"alt=""> <p class="table_text">Support limited to business hours only — no after-hours help when you need it most.</p> </div> </div> </div> </div></div>